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	<title>Lori Frankfort, Broker Associate and Exclusive Buyer&#039;s Representative &#187; Down Payment</title>
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	<description>Los Angeles and surrounding Real Estate</description>
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		<title>Pricing Mortgages On-Line In Order to Shop Off-Line</title>
		<link>http://www.californiaisbeautiful.com/2012/04/05/pricing-mortgages-on-line-in-order-to-shop-off-line/</link>
		<comments>http://www.californiaisbeautiful.com/2012/04/05/pricing-mortgages-on-line-in-order-to-shop-off-line/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 20:14:05 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=967</guid>
		<description><![CDATA[Provided Courtesy of The Mortgage Professor April 4, 2012Many potential mortgage borrowers spend time on mortgage web sites in preparation for shopping off-line. Many come to my site to see if they will qualify, to decide what kind of mortgage best meets their needs, and whether they want to buy down the rate by paying ...]]></description>
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		<title>Mortgage Rates for the week of March 26, 2012</title>
		<link>http://www.californiaisbeautiful.com/2012/04/05/mortgage-rates-for-the-week-of-march-26-2012/</link>
		<comments>http://www.californiaisbeautiful.com/2012/04/05/mortgage-rates-for-the-week-of-march-26-2012/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 19:13:35 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Financial]]></category>
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		<description><![CDATA[Mortgage Rates for the week of March 26, 2012 Provided Courtesy of Mark Cohen ph. 310-777-5401 • fax 310-777-5410 • markcohen@cohenfinancialgroup.com • www.cohenfinancialgroup.com]]></description>
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		<title>Why Housing Demand Defies Real Estate Fundamentals</title>
		<link>http://www.californiaisbeautiful.com/2012/02/18/why-housing-demand-defies-real-estate-fundamentals/</link>
		<comments>http://www.californiaisbeautiful.com/2012/02/18/why-housing-demand-defies-real-estate-fundamentals/#comments</comments>
		<pubDate>Sat, 18 Feb 2012 21:13:21 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Current Market Conditions]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[buyer's market]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[housing supply]]></category>
		<category><![CDATA[mortgage rates low]]></category>
		<category><![CDATA[real estate bubble]]></category>
		<category><![CDATA[rental rates rising]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=732</guid>
		<description><![CDATA[By Diana Olick, CNBC.com Anyone with any cash in hand should be buying a house right now. By Justin Sullivan, Getty Images That&#8217;s what any real estate agent will tell you, obviously, but that&#8217;s also what many investors now believe. Unfortunately, the potential home-buying public … isn&#8217;t buying it. January&#8217;s consumer confidence report found a ...]]></description>
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		<title>Frequently Asked Questions About the Down Payment</title>
		<link>http://www.californiaisbeautiful.com/2011/12/29/frequently-asked-questions-about-the-down-payment/</link>
		<comments>http://www.californiaisbeautiful.com/2011/12/29/frequently-asked-questions-about-the-down-payment/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 19:50:23 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyer's Toolkit]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[appraised value]]></category>
		<category><![CDATA[cash gifts]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[gift of equity]]></category>
		<category><![CDATA[lender rebates]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[negative points]]></category>
		<category><![CDATA[seasoned funds]]></category>
		<category><![CDATA[second mortgage]]></category>
		<category><![CDATA[securities]]></category>
		<category><![CDATA[undocumented cash gifts]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=668</guid>
		<description><![CDATA[Article Courtesy of mtgprofessor.com December 5, 2011Q: What is the down payment? A: The down payment is the property value less the loan amount. It is not the same as the borrower&#8217;s cash outlay if some of that outlay is used for settlement costs. On a newly constructed home, the land value can be part ...]]></description>
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		<title>Fine Print for &#8216;Gifts&#8217; to Home Buyers</title>
		<link>http://www.californiaisbeautiful.com/2011/12/29/fine-print-for-gifts-to-home-buyers/</link>
		<comments>http://www.californiaisbeautiful.com/2011/12/29/fine-print-for-gifts-to-home-buyers/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 19:34:10 +0000</pubDate>
		<dc:creator>Lori Frankfort</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[First Time Buyers]]></category>
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		<category><![CDATA[documenting gifts]]></category>
		<category><![CDATA[down payment gift]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[first-time buyers]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[gift documentation]]></category>
		<category><![CDATA[gift letter]]></category>
		<category><![CDATA[gift money]]></category>
		<category><![CDATA[loan-to-value]]></category>
		<category><![CDATA[seasoned down payment]]></category>
		<category><![CDATA[seasoned gift money]]></category>
		<category><![CDATA[seasoned money]]></category>

		<guid isPermaLink="false">http://www.californiaisbeautiful.com/?p=663</guid>
		<description><![CDATA[Article Courtesy of wsj.com By Amy Hoak  Coming up with a down payment is often a first-time home buyer&#8217;s biggest challenge. That&#8217;s why many of them get a little help from relatives or friends.  In 2010, 27% of first-time buyers received a gift from a friend or relative to use toward their down payment. That was ...]]></description>
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